Reloadable Debit Cards for Easy Spending

Everyone deserves fee clarity

That’s why we strive to be clear and transparent about any fees associated with your card, including any service or inactivity fees.

View Fees:

Wisely Pay

Wisely Direct

Not sure what card you have? Look on the back of your card.

Phone screen shows balance of no hidden fees bank account on myWisely app.

Fewer Fees

Don't get nickel and dimed.

No annual fees. No minimum balance fees. No fees on everyday spending. And no overdraft fees because we won't let you overdraft your card in the first place. Access cost-effective reloadable prepaid cards with no hidden fees.

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Skip ATM Fees, Too.

Get access to tens of thousands of surcharge-free in-network ATMs nationwide.

Find an ATM in the app

Don't just take our word for it.

"I know that there are fees. No surprises."

— Arthur L.

"Wisely has good fees. Not too expensive."

— Michael D.

"They are straight forward about the fees."

— William J.

RELOADABLE DEBIT CARDS FOR EASY ACCESS

Frequently Asked Questions

Are there fees for using my card?

There are fees for certain types of transactions. Log into the myWisely^® app or mywisely.com and refer to the Cardholder Agreement and List of Fees for details. There are no minimum balance fees, monthly fees or annual fees for using your card. There are no overdraft fees because we will not authorize transactions that cause you to overdraw your card. Also, there are no fees for:

Early direct deposit
Bill pay in the myWisely^® app
Savings Envelopes
Purchases
Card declines

Inactivity fees may be assessed after a certain period of inactivity. Keep in mind there are also charges for using certain features on your Wisely^® card.

How do I find the fees associated with my card?

Log into the myWisely^® app or mywisely.com and refer to the Cardholder Agreement and List of Fees for applicable usage fees.

How does my reloadable debit card work?

Reloadable debit cards let you load and spend money without many of the typical charges associated with traditional bank cards. Wisely makes it easy to manage your funds efficiently and securely. Here's how reloadable debit cards work:

Fund your card - Easily add money through direct deposit, cash reloads at thousands of locations, or bank transfers.
No overdraft fees - You can only spend the money you have, which prevents overdraft fees.
No hidden charges - All potential fees are disclosed upfront, helping to ensure no surprises.
Surcharge-free ATMs - Withdraw cash from a broad network of ATMs without any extra fees. Check your cardholder agreement for specific details.
Manage your money - Use prepaid reloadable cards for everyday purchases, bill payments, and money transfers.

How do I reload funds onto my card?

Your reloadable debit card can be refilled using several convenient methods:

Cash deposits - Add cash at participating retailers. Reload fees may apply at some locations. For detailed instructions and to find participating locations, visit the myWisely^® app or mywisely.com.
Direct deposit - Securely deposit earnings from a secondary job, tax refund, or other benefits directly onto your card.
Mobile check deposit - Deposit checks using the myWisely^® app by snapping a photo of the check.
Bank transfers - Transfer funds from your bank account to your Wisely card.
Peer-to-peer transfers - Receive funds from other Wisely members directly to your Wisely card. Note, both parties must opt into peer transfer in the myWisely^® app or on mywisely.com

Is there a limit to how much money I can load onto my card?

While there is no overall limit to the total amount you can load onto your Wisely prepaid debit card, specific reload methods, like cash deposits, may have per-transaction limits. It's best to check the Cardholder Agreement and List of Fees on the myWisely^® app or mywisely.com for full details.

We're ready when you are.

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To view applicable fees, please log in to the myWisely^® app or mywisely.com to see your cardholder agreement and list of all fees for more information.
Because this card is prepaid, you can only spend what is on the card and thus are unable to overdraft.
The number of fee-free ATM transactions may be limited. Please see your cardholder agreement fee schedule for more information.
Standard message and data rates may apply.
You must opt-in to early direct deposit on mywisely.com or myWisely^® mobile app. Early direct deposit of funds is not guaranteed and is subject to payor’s support and the timing of payor’s payment instruction. Faster funding claim is based on a comparison of our policy of making funds available upon our receipt of payment instruction with the typical banking practice of posting funds at settlement. Please see full disclosures on mywisely.com or myWisely^® app. Please allow up to 3 weeks for funds to be loaded to the card after initial setup of direct deposit to your card.
The bill pay feature, powered by Papaya, is available through the myWisely^® app. Additional terms and limits apply. This optional offer is not a Fifth Third Bank, Pathward or a Mastercard or Visa product or service, nor does Fifth Third Bank, Pathward, Mastercard or Visa endorse this offer.
Amounts transferred to your savings envelope will no longer appear in your available balance. You can transfer money from your savings envelope back to your available balance using the myWisely^® app or at mywisely.com.
Please allow up to 3 weeks for funds to be loaded to the card after initial setup of direct deposit to your card.
Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor’s payment instruction. 4 days faster funding claim is limited to federal government benefit funds. IRS processing times will not be affected. For up-to-date information from the IRS, visit https://www.irs.gov/refunds. ACH load limits will apply. To view your load limits, view the Limits Table on the myWisely^® app or mywisely.com.
Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & conditions and Privacy Policy. Approval review usually takes 3-5 minutes, but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Fees may apply for loading or use of your card. See your Cardholder Agreement for details. All checks are subject to approval by Ingo in its sole discretion. Fees and other terms and conditions apply to check load services. Visit http://ingomoney.com/tc.html for complete details.
Peer Transfer transactions between enrolled users through Peer Transfer are final and cannot be reversed. A peer transfer recipient must be a primary card member who is actively enrolled in Wisely Peer Transfer before being sent a peer transfer. They cannot receive a peer transfer if they have not opted in. Peer transactions are typically processed within seconds but could take longer due to network timing, receiving bank processes, or other factors. Terms and limits apply. Please log in to the myWisely app or mywisely.com to see your cardholder agreement and transaction limits.

The Wisely Pay Visa^® is issued by Fifth Third Bank, N.A., Member FDIC or Pathward^®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Wisely Pay Mastercard^® is issued by Fifth Third Bank, N.A., Member FDIC or Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. The Wisely Direct Mastercard is issued by Fifth Third Bank, N.A., Member FDIC. ADP is a registered ISO of Fifth Third Bank, N.A., or Pathward, N.A. The Wisely Pay Visa card can be used everywhere Visa debit cards are accepted. Visa and the Visa logo are registered trademarks of Visa International Service Association. The Wisely Pay Mastercard and Wisely Direct Mastercard can be used where debit Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Reloadable debit cards for easy access

Leave hidden fees behind.

Everyone deserves fee clarity

Don't get nickel and dimed.

Get access to tens of thousands of surcharge-free in-network ATMs nationwide.

Don't just take our word for it.

Frequently Asked Questions

We're ready when you are.